Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently discovered that I am a victim of identity theft. While reviewing my credit report, I noticed an inquiry that was opened in my name without my knowledge or consent. I immediately contacted the creditor to request proof of my authorization for this inquiry. However, I have yet to receive any documentation or evidence from the creditor that verifies I initiated or authorized the opening of this inquiry. Given the lack of evidence provided by the creditor, it is clear that this inquiry does not belong to me and has been opened fraudulently using my personal information. Here are the details related to this incident that I found in my credit report.
  ------ CREDIT PLUS - Oct. 10, 2022. -------

  Business Response

  Date: 07/03/2024

  Dear Sir or Madam,
  
  Please be advised that Credit Plus, Universal Credit Services,
  UniversalCIS, Avantus, CIS Credit Solutions, DataFacts Lending Solutions, and
  Tenantreports.com have all become part of a larger company, Xactus, LLC
  (Xactus). We provide this information to explain why this response may
  appear to come from a company other than the company that you contacted.
  
  This letter is
  follow up to a seond complaint that we received from you through the Better
  Business Bureau (BBB). Attached to your complaint, among other things, was an
  Identity Theft Reports filed with the Federal Trade Commission on 6/24/2024. In
  your Identity Theft Report and BBB complaint, among other things, you state
  that you have an unauthorized inquiries from Credit Plus on 10/10/2022
  reporting on your credit report.
  
  Our records show that we previously received a BBB complaint from you.
  In our response to that complaint, we informed you that Credit Plus is a
  subsidiary of Xactus, LLC (Xactus) and that Credit Plus and Xactus are “Credit
  Reporting Agencies” and “Resellers” of credit reports, as defined by the Fair
  Credit Reporting Act (FCRA). In that response we also informed you that it was our
  client, *** *** ********** *** that pulled your credit report on 10/10/2022.
  
  As a result of your first complaint and the Identity Theft Report dated 4/8/2024
  that you attached to that complaint, we blocked the credit reports that we have
  on file for you from any subsequent use. Included with our first response, and
  again listed below, is contact information for *** *** ********** *** should you
  wish to reach out to them directly.
  
  *****************************************                                                    
  
  Further, because the credit reports that we have on file for you were
  obtained from the national credit reporting agencies (Equifax, Experian, and
  TransUnion), we forwarded your first correspondence, including the Identity Theft
  Report dated 4/8/2024, to them. At this time, we have also forwarded your
  second correspondence, including the Identity Theft Report dated 6/24/2024 to
  them. Should we receive any responses from them as a result or your first
  correspondence or this second correspondence, we will forward those responses
  to you. Additionally, for your convenience, their contact information is again
  listed below, should you wish to reach out to them directly.
  
  *******************************
  
  Lastly, because you believe that you have been the victim of identity
  theft, enclosed with this response is another copy of the document titled
  “Remedying the Effects of Identity Theft” from the Consumer Financial
  Protection Bureau. Again, among other things, this document includes
  information regarding fraud alerts and security freezes.
  
  If you have any questions or concerns, please do not hesitate to reach
  out to us directly, our contact information is below.
  
  
  Sincerely,
  
  Xactus, LLC
  
  

• Initial Complaint

  Date:05/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been the victim of identity theft and have observed unauthorized transactions and suspicious activities associated with my identity. I have already filed a police report to address these issues, but I require further assistance to resolve them. My goals are to recuperate any financial losses, restore my good name, and I seek your assistance in removing this inquiry from my credit report. I would greatly appreciate your help with this matter.
  --------- CREDIT PLUS - Inquiry Date - 10/10/2022. -----------

  Business Response

  Date: 05/17/2024

  Dear Sir or Madam,
  
  Please be advised that Credit Plus, Universal Credit Services,
  UniversalCIS, Avantus, CIS Credit Solutions, DataFacts Lending Solutions, and
  Tenantreports.com have all become part of a larger company, Xactus, LLC
  (Xactus). We provide this information to explain why this response may
  appear to come from a company other than the company that you contacted.
  
  This letter is
  follow up to a complaint that we received from you through the Better Business
  Bureau (BBB) against Credit Plus. Attached to your complaint, among other
  things, was an Identity Theft Reports filed with the Federal Trade Commission on
  4/8/2024. In your Identity Theft Report and BBB complaint, among other things,
  you state that you have an unauthorized inquiry from Credit Plus on 10/10/2022 reporting
  on your credit report.
  
  Please be advised that Credit Plus is a subsidiary of Xactus, LLC
  (Xactus). Additionally, Credit Plus and Xactus are “Credit Reporting Agencies”
  and “Resellers” of credit reports, as defined by the Fair Credit Reporting Act
  (FCRA). It was our client, *** *** *********, LLC that pulled your credit
  report on 10/10/2022.
  
  As a result of your complaint and accompanying Identity Theft Report, we
  have blocked the credit reports that we have on file for you from any
  subsequent use. For your convenience, contact information for *** *** *********, LLC is below should you wish to reach out to them directly.
  
  *** *** ********* ***
  **** ***** **** Blvd
  Fulton, MD 20759                                                         
  
  Further, because the credit reports that we have on file for you were
  obtained from the national credit reporting agencies (*******, ********, and
  **********), we have also forwarded your correspondence, including your
  Identity Theft Report, to them. Should we receive any responses from them as a
  result, we will forward those responses to you. Additionally, for your
  convenience, their contact information is below, should you wish to reach out
  to them directly.
  
  **********                                            ********                                           
  *******
  PO Box 2000                                           PO Box 2002                                      PO Box 740241
  Chester, PA 19022                                  Allen, TX 75013                                 
  Atlanta, GA 30374
  ###-###-####                                           ###-###-####                                        ###-###-####
  **********.com/myoptions                      www.********.com                              www.*******.com/fcra
  
  
  
  
  
  
  
  Lastly, because you believe that you have been the victim of identity
  theft, enclosed with this response is a document titled “Remedying the Effects
  of Identity Theft” from the Consumer Financial Protection Bureau. Among other
  things, this document includes information regarding fraud alerts and security
  freezes.
  
  If you have any questions or concerns, please do not hesitate to reach
  out to us directly, our contact information is below.
  
  
  Sincerely,
  
  Xactus, LLC
  370 Reed Road, Suite 100
  Broomall, PA 19008
  Phone: ###-###-####
  Fax: ###-###-####
  Email: [email protected]

• Initial Complaint

  Date:03/25/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am reaching out to report a critical issue of identity theft involving my personal and financial information. Unauthorized use of my driver's license, Social Security Number, and **********************/debit cards has occurred.I seek the urgent support in addressing this matter by facilitating investigations, ensuring the security of my accounts, and assisting in the removal of all fraudulent transactions and inquiries from my records.----CREDIT PLUS01/03/2023,_-----

  Business Response

  Date: 04/01/2024

  ******** *******
  ***************************************************
  *********************
  
  
                                                                                                              April 1, 2024
  
  
  Dear *** or Madam,
  
  Please be advised that Credit Plus, Universal Credit Services,UniversalCIS, Avantus, CIS Credit Solutions, DataFacts Lending Solutions, and ***************** have all become part of a larger company, *********** (Xactus). We provide this information to explain why this response may appear to come from a company other than the company that you contacted.
  
  This letter is follow up to a complaint that we received from you through the Better Business Bureau (BBB). Attached to your complaint, among other things, was an Identity Theft Reports filed with the ************************ on 2/22/2024. In your Identity Theft Report and BBB complaint, among other things, you state that you have an unauthorized inquiries from Credit Plus on 1/3/2023 reporting on your credit report.
  
  Please be advised that *********** (Xactus), which again includes the companies listed above, is a Credit **************** and Reseller of credit reports, as defined by the Fair Credit Reporting Act (FCRA). Additionally, it was our client, Calcon Mutual Mortgage, LLC that pulled your credit report on 1/3/2023.
  
  As a result of your complaint and accompanying Identity Theft Report, we have blocked the credit reports that we have on file for you from any subsequent use. For your convenience, contact information for Calcon Mutual Mortgage, LLC is below should you wish to reach out to them directly.
  
  Calcon Mutual Mortgage, LLC                                       
  ************************************
  ************************;  
  ************                                                                
  
  Further, because the credit reports that we have on file for you were obtained from the national credit reporting agencies (Equifax, Experian, and TransUnion), we have also forwarded your correspondence, including your Identity Theft Report, to them. Should we receive any responses from them as a result, we will forward those responses to you. Additionally, for your convenience, their contact information is below, should you wish to reach out to them directly.
  
  Transunion                                            Experian                                           Equifax
  PO Box 2000                                           PO Box 2002                                      PO Box 740241
  *******, ** 19022                                  *****, TX 75013                                 *******, ** 30374
  ************                                           ************                                        ************
  *******************************************************************************************************************************************************;   ****************                              ***********************************
  
  
  
  
  
  
  
  Lastly, because you believe that you have been the victim of identity theft, enclosed with this response is a document titled Remedying the Effects of Identity Theft from the ****************** Protection Bureau. Among other things, this document includes information regarding fraud alerts and security freezes.
  
  If you have any questions or concerns, please do not hesitate to reach out to us directly, our contact information is below.
  
  
  Sincerely,
  
  ***********
  ****************************Phone: ************
  Fax: ************
  Email: *****************************
  
  

• Initial Complaint

  Date:03/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this inquiry from my credit report. Please help me in this matter

  Business Response

  Date: 03/13/2024

  Hello,
  
  We have received a notification that you have filed a complaint with the Better
  Business Bureau (BBB) under the date of 3/7/2024 against Credit Plus. In your
  complaint and the attachments thereto, you state that
  you have unauthorized inquiries from ****** ******** on 7/10/2023, Credit Plus on 6/13/2023,
  ****** on 7/10/2023 and 6/13/2023, **** *** on 2/10/2024, 6/28/2023, 5/9/2023,
  1/14/2023, 11/28/2022, and 11/9/2022, ********** on 6/28/2023, and **********
  on 10/10/2023 reporting your credit report.
  Please
  be advised that Credit Plus is now part of the larger company, now known as ******,
  LLC (******). Additionally, Credit Plus and ****** are resellers of credit
  reports. On the dates you mention in your complaint, two of our clients pulled
  your credit report. First, our client, ***** ****** *** pulled your credit
  report on 6/13/2023. Then, our client, ****** ********, LLC pulled your credit
  report on 7/10/2023. In response to your complaint we requested documentation
  from ***** ****** *** and ****** ********, LLC to demonstrate their permissible
  purpose for pulling your credit report. Attached to this response is the documentation
  provided to us by ****** ********, LLC which they claim provided them with the
  permissible purpose to pull  your credit
  report. Once we receive a response from ***** ****** ***, we will forward that
  response to you and/or the national consumer reporting agencies (**********,
  ********, and *******).
  Regarding
  your dispute of the inquiries from **** *** on 2/10/2024, 6/28/2023, 5/9/2023, 1/14/2023,
  11/28/2022, and 11/9/2022, ********** on 6/28/2023, and ********** on 10/10/2023,
  since those companies are not clients of Credit Plus or ******, we have forwarded
  your dispute of those inquiries to the national consumer reporting agencies.
  Once we receive a response from them, we will also forward that response to
  you. For your convenience, contact information for the national consumer
  reporting agencies is below, should you choose to reach out to them directly.
  ***********        ** *** *****     ******** ** ****** ************* ***************************** *********  ** *** ***** ****** ** ****** ************* ***************** ******** ** *** ******* ******** ** ****** *************                ********************
  
  If you have any additional questions or concerns, please do not
  hesitate to reach out to us, our contact information is below.
  Thank you,
  ******,
  LLC, *** **** ***** ***** ***, Broomall, PA 19008, Email: ********@******.com, Phone:
  ###-###-####

• Initial Complaint

  Date:02/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Credit Plus Inc. I do not have a contract with Credit Plus inc, they did not provide me with the original contract

  Business Response

  Date: 02/28/2024

  Hello,
  
  We have received a notification that you filed a complaint with the Better
  Business Bureau (BBB) on 2/24/2024. In your complaint you state that you are
  not liable for a debt with Credit Plus, Inc. that you do not have a contract
  with Credit Plus, Inc., and that they did not provide you with the original
  contract as requested.
  We
  have searched our records and show that we received a similar dispute from you
  via email on 2/7/2024. In response to that dispute, we sent you a letter
  informing you that Credit Plus is now part of the larger company Xactus, LLC
  (Xactus). Additionally, we informed you that Credit Plus and Xactus are
  resellers of credit reports and that it was our client ***, Inc. that pulled
  your credit report on 8/8/2022.
  Further,
  as a reseller of credit reports, neither Credit Plus or Xactus open or service
  accounts. In response to your current complaint with the BBB, because we have
  already informed you that it was our client, ***, Inc. that pulled your credit
  report, we have requested documentation from ***, Inc. to demonstrate their
  permissible purpose for pulling your credit report. Once we receive a response
  from them, we will forward that response to you and/or the national consumer
  reporting agencies (**********, ********, and *******).
  If you have any additional questions or concerns, please do not
  hesitate to reach out to us, our contact information is below.
  Thank you,
  Xactus,
  LLC, *** **** ***** ***** ***, Broomall, PA 19008, Email: *******************, Phone:
  ###-###-####

• Initial Complaint

  Date:02/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've become a victim of identity theft, noticing unauthorized transactions and dubious activities associated with my identity. I've reported the incident to the police, but I need further assistance in recovering financial losses, restoring my reputation, and removing these unauthorized inquiries from my credit report. Your support in resolving these issues is greatly appreciated.------------------------------------CREDIT PLUS -12/06/2023 --CREDIT PLUS 09/21/2023 CREDIT PLUS09/11/2023 ----CREDIT PLUS08/16/2023

  Business Response

  Date: 02/28/2024

  Dear *** or Madam,
  
  Please be advised that Credit Plus, Universal Credit Services,UniversalCIS, Avantus, CIS Credit Solutions, DataFacts Lending Solutions, and ***************** have all become part of a larger company, *********** (Xactus). We provide this information to explain why this response may appear to come from a company other than the company that you contacted.
  
  This letter is follow up to a complaint that we received from you through the Better Business Bureau (BBB) under the date of 2/16/2024. Attached to your complaint, among other things, was an Identity Theft Report filed with the ************************ on 1/25/2024. In your Identity Theft Report and BBB complaint, among other things, you state that you have an unauthorized inquiries from Credit Plus and/or Xactus, LLC on 8/16/2023, 9/11/2023, 9/21/2023, 10/4/2023, and 12/6/2023.
  
  Please be advised that *********** (Xactus), which again includes the companies listed above, is a Credit **************** and Reseller of credit reports, as defined by the Fair Credit Reporting Act (FCRA). Additionally, it was our client, Reliable Mortgages, **** that pulled your credit report on the dates you mention in your complaint and Identity Theft Report.
  
  As a result of your complaint and accompanying Identity Theft Report, we have blocked the credit reports that we have on file for you from any subsequent use. For your convenience, contact information for Reliable Mortgages, **** is below should you wish to reach out to them directly.
  
  Reliable Mortgages, ****                                   
  ****************************************************************************************************
  ************                                                                
  
  Further, because the credit reports that we have on file for you were obtained from the national credit reporting agencies (Equifax, Experian, and TransUnion), we have also forwarded your correspondence, including your Identity Theft Report, to them. Should we receive any responses from them as a result, we will forward those responses to you. Additionally, for your convenience, their contact information is below, should you wish to reach out to them directly.
  
  Transunion                                            Experian                                           Equifax
  PO Box 2000                                           PO Box 2002                                      PO Box 740241
  *******, ** 19022                                  *****, TX 75013                                 *******, ** 30374
  ************                                           ************                                        ************
  *******************************************************************************************************************************************************;   ****************                              ***********************************
  
  
  Lastly, because you believe that you have been the victim of identity theft, enclosed with this response is a document titled Remedying the Effects of Identity Theft from the ****************** Protection Bureau. Among other things, this document includes information regarding fraud alerts and security freezes.
  
  If you have any questions or concerns, please do not hesitate to reach out to us directly, our contact information is below.
  
  
  Sincerely,
  
  ***********
  ****************************Phone: ************
  Fax: ************
  Email: *****************************
  
  

• Initial Complaint

  Date:01/22/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with
  Credit Plus,Inc, I do not have a contract with Credit Plus, Inc., They did not provide me with the original contract as requested.
  
  I demand this account be removed from my credit report.

  Business Response

  Date: 01/30/2024

  Tell us why here...Hello,
  
  We have received a notification that you filed a complaint with the Better
  Business Bureau on 1/22/2024. In your complaint you state that you are not
  liable for a debt with Credit Plus, Inc. that you do not have a contract with
  Credit Plus, Inc., and that they did not provide you with the original contract
  as requested.
  We
  have searched our records and show that we received a similar dispute from you
  via postal mail on 1/29/2024. Additionally, please be advised that Credit Plus
  is a reseller of credit reports. We do not open or service accounts. If what
  you are referring to are inquiries from Credit Plus on your credit report, two
  of our clients have pulled your credit report. First, our client, ***** ********* ***. pulled your credit report on 2/8/2023. Then, our client, *** ********* ***. pulled your credit report on 9/14/2023. If you do not believe
  that you authorized these inquiries, please reach out to us directly, our
  contact information is below.
  If you have any additional questions or concerns, please do not
  hesitate to reach out to us, our contact information is below.
  Thank you,
  ******* ***, *** Reed Road, Suite ***, Broomall, PA 19008, Email: *******************, Phone:
  ************

• Initial Complaint

  Date:11/30/2023

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company that is listed on my credit from all 3 credit bureaus. They did multiple hard pulls on my credit, and as a result hurt my credit score. This company Credit Plus is a fraudulent company that does shady things. They have been on my credit since 20022 and still keep doing hard pulls against my credit with my knowledge. I am going to file a lawsuit against this company, plus report them to my state Attorney General.

  Business Response

  Date: 12/11/2023

  Hello,
  
  We have received a notification that you have filed a complaint with the Better Business Bureau (BBB) against Credit Plus. In your
  complaint you state that you have multiple credit inquiries from Credit Plus that you have no knowledge of and that Credit Plus is a fraudulent company.

  Please
  be advised that Credit Plus is a reseller of credit reports. If
  you have inquiries from Credit Plus on your credit report, then a client of ours,
  likely a mortgage broker or lender, has pulled your credit report. However, at
  this time, with the information available in your complaint, we are unable
  to accurately authenticate your identity and locate a credit report in our
  system for you. Therefore, please reach out to us directly, our contact
  information is below, to verify your identity by providing us with your Social
  Security Number, your full physical address, and date of birth so that
  we can attempt to locate your credit report in our system and inform you as to
  which of our clients pulled your credit report. Alternatively, below is contact
  information for the three national credit reporting agencies should you choose
  to file your dispute directly with them.
  ***********        ** *** *****     ******** ** ****** ************* ***************************** *********  ** *** ***** ****** ** ****** ************* ***************** ******** ** *** ******* ******** ** ****** *************                ********************
  
  If you have any additional questions or concerns, please do not
  hesitate to reach out to us, our contact information is below.
  Thank you,
  ******* **** *** **** ***** ***** **** ********* ** ****** ****** ******************** ****** ************

  Customer Answer

  Date: 12/14/2023

    
  
  Complaint: ********
  
  
  
  I am rejecting this response because it is still on all my credit reports and it still goes against my credit. By the way I will not let this stand.
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 01/08/2024

  Hello,
  
  We have received a notification from the Better Business Bureau stating that
  you have rejected our response of 12/11/2023 to your original Better Business
  Bureau complaint because the credit inquiry or inquiries are still reporting on
  your credit report.

  
  As we
  informed you in our response of 12/11/2023, Credit Plus is a reseller of credit
  reports and that if you have an inquiry or inquiries from Credit Plus reporting
  on your credit report, then a client of ours, likely a mortgage broker
  or lender, has pulled your credit report.

  
  However, as we also informed you in our response of
  12/11/2023, there is not enough information in your Better Business Bureau
  complaint for us to accurately authenticate your identity and match you to a
  credit report(s) in our system. With your complaint the only identifying
  information provided was your first and last name and your state and zip code.
  Unfortunately, that is not enough for us to accurately locate a report for you.
  Therefore, if you would like our assistance in disputing the credit inquiry or
  credit inquiries from Credit Plus reporting on your credit report, please reach
  out to us directly, our contact information is below, to verify your identity
  by providing us with your Social Security Number, your full physical address,
  and date of birth so that we can attempt to locate your credit report in
  our system and assist you with your dispute. Alternatively, below is contact
  information for the three national credit reporting agencies should you choose
  to file your dispute directly with them.

  
  ***********        ** *** *****     ******** ** ****** ************* ***************************** *********  ** *** ***** ****** ** ****** ************* ***************** ******** ** *** ******* ******** ** ****** *************                ********************
  
  If you have any additional questions or concerns, please do not
  hesitate to reach out to us, our contact information is below.

  
  Thank you,
  ******* **** *** **** ***** ***** **** ********* ** ****** ****** ******************** ****** ************

  Customer Answer

  Date: 01/22/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I did not allow your company to look at my credit. That is not right for you all to look at my credit at the same time the mortgage broker did. I am not removing this complaint against your company. I will send it up to my state Attorney General 

  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:08/11/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am contacting you to request an investigation into a potentially fraudulent inquiry on my credit report. I have no recollection of engaging in any transactions with the mentioned company. Consequently, I kindly ask for substantiation of any services I might have purportedly obtained from the company. In the absence of such verification, I respectfully request the removal of the aforementioned inquiry from my credit report. Your prompt attention to this matter would be greatly appreciated. CREDIT PLUS 08/02/2022

  Business Response

  Date: 08/14/2023

  Dear ****** *****
  
  We have received a notification from you regarding a Xactus, LLC inquiry appearing on your credit report.
  
  Please be advised that Credit Plus, Universal Credit Services, ***********, CIS Credit Solutions,DataFacts Lending Solutions and ************ have all become part of a larger company, ***********. We provide this information to explain why this response may appear to come from a company other than the company that you contacted.
  
  The inquiry in your file was the result of a request that we received from "*********************" on 08/02/2022 with the permissible purpose of securing a mortgage loan. Xactus, is a reseller of credit information and provides credit report information from the 3 credit bureaus at the request of our mortgage company clients per the Fair Credit Reporting Act guidelines. If you did not authorize the mortgage company to make a credit inquiry, please file a new case. A hard copy of this same information has been mailed to your postal address. Please contact our Disputes Processors at ******************* or ********************* if you have any further questions or concerns.

• Initial Complaint

  Date:06/26/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has called me twice from ###-###-#### without identifying themselves, stating that my mortgage co has requested confirmation and that it requires a conference call. They want me to call them back at ###-###-#### option #2 Case file ********** My mortgage company knows nothing about this and has not requested a confirmation through a third party. I don't know how they received my information or how they know I am applying for a mortgage.

  Business Response

  Date: 06/30/2023

  Thank you for reaching out to Xactus, LLC regarding this issue. Please be advised that
  Credit Plus, Universal Credit Services, Avantus LLC, CIS Credit Solutions,
  DataFacts Lending Solutions and UniversalCIS have all become part of a larger
  company, Xactus, LLC. We provide this information to explain why this response
  may appear to come from a company other than the company that you contacted. Xactus, is a “reseller”
  of credit information and provides credit report information from the 3 credit
  bureaus at the request of our mortgage company clients per the Fair Credit
  Reporting Act guidelines.

  Our customer service team was given contact information regarding the credit inquiry number listed in your complaint working on behalf of Nation One Mortgage. If this was performed in error or if there were any further questions or concerns about this credit inquiry supplement please reach out to our Disputes Processors
  at ******************* or ###-###-####. My apologies for any confusion or inconvenience.